[makomk]

No, they can't rely on the post office. The workers there aren't paid that well, after all, and some of them would probably be quite happy to take money on the side to make a few security tokens disappear into the hands of a fraudster.

[wonderzombie]

They already send credit and debit cards in the mail. Is this substantively different? Do we have widespread problems of postal workers stealing credit or debit cards? What's in place to prevent that, and why couldn't the banks use similar measures with an OTP device?